Cheapest Car Insurance Quotes in Wingdale

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Wingdale Car Insurance

^$ 48

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Wingdale

The car insurance rate in Wingdale is $1122 for a six-month policy, which is $93 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $602, making it a popular choice for budget-conscious drivers. Rates in Wingdale can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Wingdale

$1122

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Wingdale

1st place: Kemper

At $602 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: New York Central Mutual Fire

New York Central Mutual Fire offers auto insurance rates at $797 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $803 for six months, making it the third cheapest auto insurance company in Wingdale.

Wingdale Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Wingdale, NY is Kemper, offering policies at just $602 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $797.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1676 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wingdale drivers find the best deals.

Cheap Car Insurance Companies in Wingdale, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$602	$102
New York Central Mutual Fire	$797	$133
Progressive	$803	$135
American Family	$932	$157
NYCM	$978	$165
Erie	$1172	$195
Nationwide	$1178	$201
USAA	$1185	$199
State Farm	$1469	$247
Travelers	$1548	$261
Allstate	$1676	$282

Key Takeaways

Way's key takeaways about car insurance in Wingdale

The auto insurance costs in Wingdale fall around $602 for six months.
The cheapest auto insurance company in Wingdale is New York Central Mutual Fire.
Teen drivers pay the highest rate in Wingdale at $855 per month.

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Cheapest Minimum Liability Car Insurance in Wingdale

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Wingdale are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Wingdale. Their Average 6 Month Premium is $284. Preferred Mutual is the most expensive at $751 for the same period.

Cheapest Liability Coverage in Wingdale, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$284	$48
NYCM	$298	$50
Kemper	$350	$58
Progressive	$414	$70
American Family	$421	$71
USAA	$511	$86
Nationwide	$544	$90
Erie	$687	$117
State Farm	$797	$134
Travelers	$855	$144
Allstate	$894	$150
Utica National	$621	$106
Preferred Mutual	$751	$125

Cheapest Full Coverage Car Insurance in Wingdale

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Wingdale is Kemper at $102 per month and $602 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wingdale, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$602	$102
New York Central Mutual Fire	$797	$133
Progressive	$803	$135
American Family	$932	$157
NYCM	$978	$165
Erie	$1172	$195
Nationwide	$1178	$201
USAA	$1185	$199
State Farm	$1469	$247
Travelers	$1548	$261
Allstate	$1676	$282

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Average Car Insurance in Wingdale by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Wingdale, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in Wingdale, New York, may be increasing due to several external factors. New York has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Wingdale's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Wingdale

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	National Grange Mutual	$614
30s	National Grange Mutual	$437
40s	National Grange Mutual	$421
50s	National Grange Mutual	$427
60s	National Grange Mutual	$460
70s	National Grange Mutual	$631

Cheapest Car Insurance Rates for Teen Drivers in Wingdale,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Wingdale at $68 per month. At $5076 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$408	$68
American Family	$492	$83
NYCM	$822	$138
Progressive	$1301	$219
New York Central Mutual Fire	$1418	$237
USAA	$2603	$438
Nationwide	$3400	$567
Travelers	$4208	$709
Allstate	$4552	$766
State Farm	$5076	$855

Teen Car Insurance Rates in NY by Age

Way Tip

If you are in your twenties National Grange Mutual is the best choice for car insurance in Wingdale.

As young drivers face the highest rates in Wingdale, National Grange Mutual offers the cheapest auto insurance rates at $614 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Wingdale, Chubb is the cheapest car insurance provider. At $874 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Wingdale is Progressive, offering rates of around $5640 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$874	$146
Kemper	$913	$155
Nationwide	$1178	$196
USAA	$1632	$278
NYCM	$1703	$283
Erie	$1845	$314
American Family	$2169	$362
Allstate	$2220	$374
State Farm	$2299	$387
Mercury	$2700	$459
Travelers	$2758	$464
Progressive	$5640	$949

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Car Insurance Rates with An Accident in Wingdale

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Wingdale, NY, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Wingdale

The cheapest car insurance companies after an at-fault accident in Wingdale include Kemper and American Family, offering $505 and $518, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $628.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$505	$84
American Family	$518	$87
NYCM	$628	$106
Erie	$687	$117
Chubb	$758	$126
Progressive	$828	$140
New York Central Mutual Fire	$958	$160
USAA	$1029	$173
Nationwide	$1548	$258
Allstate	$1561	$263
State Farm	$1885	$317
Travelers	$1916	$323
Utica National	$621	$106
Preferred Mutual	$628	$105

Wingdale Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Wingdale NY. For example, the car insurance in Wingdale after a DUI increases to $777 for a six month policy. While the rate increases by $123 for a six-month policy in the case of a speeding ticket.

Wingdale auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1366	$228
One Med/PIP claim	$1366	$232
One comp claim	$1379	$230
Two comp claims	$1392	$237
Two Med/PIP claims	$1392	$232
Not-at-fault accident	$1398	$238
Failure to show documents	$1418	$237
Failure to wear a seat belt	$1425	$242
Driving with expired registration	$1438	$240
At-fault accident - less than $1000	$1444	$245
Cell phone violation	$1444	$241
Child safety restraint	$1444	$245
Driving without lights	$1444	$241
Failure to stop at a red light	$1444	$245
Failure to yield	$1444	$241
Following too closely	$1444	$245
Illegal turn	$1444	$241
Improper passing	$1444	$245
Passing school bus	$1444	$241
Texting while driving	$1444	$245
Wrong way/wrong lane	$1444	$241
Driving too slowly	$1457	$247
Speeding in school zone	$1457	$243
At-fault accident - $1000-$2000	$1463	$249
Speeding 11 - 15 MPH over limit	$1489	$249
Speeding 6 - 10 MPH over limit	$1489	$253
Operating a vehicle without permission	$1515	$253
Open container	$1535	$261
In 65 MPH zone	$1599	$267
Speeding 16 - 20 MPH over limit	$1619	$276
Speeding 21 - 25 MPH over limit	$1676	$279
At-fault accident - greater than $2000	$1806	$307
Reckless driving	$1929	$322
Racing	$2007	$341
Driving with a suspended license	$2079	$347
Refusal to submit to a chemical test	$2123	$361
DUI	$2143	$358
Leaving scene of an accident/hit and run	$2176	$370

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Wingdale after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Wingdale.

The cheapest car insurance premiums in Wingdale are offered by American Family at $492 for a six-month policy. However, it can be as expensive as $2195 with companies like State Farm.

Wingdale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$492	$83
Kemper	$518	$88
Progressive	$628	$106
NYCM	$790	$133
New York Central Mutual Fire	$1165	$194
USAA	$1243	$209
Allstate	$1845	$311
Travelers	$1897	$319
Nationwide	$1923	$320
State Farm	$2195	$370

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Wingdale are offered by American Family at $434. However, it can be as expensive as $2227 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Wingdale after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$434	$74
Kemper	$434	$72
Progressive	$537	$90
NYCM	$718	$120
USAA	$978	$167
Nationwide	$1347	$225
State Farm	$1457	$247
Travelers	$2130	$355
Allstate	$2227	$378

Car Insurance Price Trends in Wingdale, New York

Car insurance rates in Wingdale have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Wingdale dipped by $269 in December compared to $270 of November. In other words, there has been an decrease by $1 when you compare December and November.

The average cost of liability insurance in the Wingdale dipped to $93 in December, compared to $96 in November. This represents an decrease of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Wingdale?

The car insurance in Wingdale is $48 per month, which is lower than the national average.

What is the cheapest car insurance in Wingdale?

The cheapest car insurance in Wingdale is $102 per month for full coverage.

How much is car insurance in Wingdale for teenagers?

Car insurance for teenagers costs $408 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Wingdale?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $189 per month to insure your car in Wingdale.

Is car insurance expensive in Wingdale?

Car insurance can be expensive in Wingdale if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Wingdale can be affordable.

Cheapest Car Insurance Quotes in Wingdale

Why you can trust Way?

How Much Is Car Insurance in Wingdale

Avg. Car Insurance in Wingdale

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Wingdale

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Wingdale Car Insurance Rates by Company

Cheap Car Insurance Companies in Wingdale, NY

Way's key takeaways about car insurance in Wingdale

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Wingdale

Cheapest Liability Coverage in Wingdale, NY

Cheapest Full Coverage Car Insurance in Wingdale

Cheapest Full Coverage Car Insurance Quotes in Wingdale, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Wingdale by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Wingdale, NY increasing?

Car Insurance Premiums by Age in Wingdale

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Wingdale,NY

If you are in your twenties National Grange Mutual is the best choice for car insurance in Wingdale.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Wingdale

Cheapest Car Insurance Companies after an At-Fault Accident in Wingdale

Wingdale Car Insurance Rates by Violation

Wingdale auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Wingdale after a DUI

Wingdale car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Wingdale after Speeding ticket

Car Insurance Price Trends in Wingdale, New York

Average Car Insurance Cost in Wingdale by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Wingdale, NY

Car Insurance Rates by State in the USA (2025 Update)

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